Robert Rippy-Hermonat - Alliance Mortgage Group

Robert Rippy-Hermonat - Alliance Mortgage Group Mortgage Broker and Firefighter/Paramedic focused on making home loans clear and stress-free. NMLS #2728726
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Hi, I’m Robert Rippy-Hermonat — a mortgage broker, firefighter/paramedic, husband, and dad of two. I’ve spent my entire adult life serving others, and that mindset is at the core of everything I do. Whether I’m responding to an emergency call or helping someone navigate buying a home, my goal is always the same: bring calm, clarity, and support during moments that can feel overwhelming. My backgro

und in firefighting and EMS taught me how to communicate clearly under pressure, pay attention to the details that matter, and guide people through stressful situations with confidence. I’ve carried those skills into mortgage lending, where I focus on helping families understand their options in a way that feels simple and approachable—not confusing or stressful. I work with a wide range of loan programs, and I’m especially passionate about helping veterans make the most of their VA home loan benefits. I didn’t serve in the military myself, but I’ve worked alongside veterans throughout my career in the fire service, and I have deep respect for their dedication and sacrifices. Supporting them through the lending process is something I’m honored to do. Whether you’re a first-time buyer, a veteran, or a family exploring a refinance, I’m here to walk with you through the process and make sure you feel informed and supported from start to finish. At the end of the day, I’m just a regular person who wants to help other people build stability, opportunity, and confidence through homeownership. If you ever need guidance or have questions, I’m here to help however I can.

09/03/2026

If you're self-employed and write off business expenses on tax returns, qualifying for a traditional mortgage can be tough.

Bank statement loans allow business owners to qualify based on 12 to 24 months of actual business or personal bank deposits instead of net taxable income.

It’s an incredible option that lets business owners buy a home without giving up their legitimate tax write-offs.

Are you self-employed and looking to buy in DFW? Ask me how bank statement loans work in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/03/2026

Planning to use gift funds from family for your down payment? Don't move a single dollar until you talk to your lender!

Improper wire transfers or unapproved bank deposits before securing a formal gift letter can freeze underwriting and delay your closing for weeks.

Your lender will provide exact, step-by-step instructions on how to transfer those funds cleanly with a complete paper trail.

Are you planning to use gift funds for your purchase? Ask me how to set it up in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/01/2026

VA Tip Tuesday

Don't let anyone tell you sellers won't accept a VA offer in Texas.

There’s a huge misconception that VA appraisals are an unfair burden on sellers or always call for nitpicky repairs.

In reality, VA minimum property requirements are simply designed to ensure the home is safe, sound, and sanitary for the veteran buyer—and most home sales go through smoothly.

Sellers and agents: drop your VA offer questions in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/01/2026

Counterintuitive mortgage tip: stop dumping all your savings into paying off credit cards right before applying for a loan!

While lowering your balance helps your credit score, wiping out your liquid cash reserve can actually hurt your qualification or leave you strapped for closing.

Before you make any big moves with your cash, talk with a lender to create a strategic game plan that protects both your score and your bank account.

What's your biggest question about managing debt before buying? Let me know in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/28/2026

Texas homeowners: stop overpaying on your property taxes every single year!

Filing your Texas Homestead Exemption removes a portion of your home's value from taxation and caps annual assessment increases—saving you hundreds or thousands of dollars.

Best of all: filing through your official county appraisal district is completely FREE, so don't pay third-party companies offering to do it for a fee.

Have questions on when or how to file in your county? Let me know in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/28/2026

If you're a teacher, firefighter, EMS, police officer, or healthcare worker in Texas, this down payment program was built for you.

The Homes for Texas Heroes program offers down payment assistance up to 5% of your loan amount, which can be given as a grant or a second loan.

It's a powerful way to significantly reduce your out-of-pocket costs at the closing table and make homeownership a reality sooner.

Want to see if your profession qualifies you for Texas hero benefits? Ask me in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/26/2026

Here is a rule that catches tons of home buyers off guard: paper cash can't be used for your mortgage down payment.

Lenders must verify the source of every dollar used in a transaction, and physical cash deposits cannot be traced or documented to underwriting standards.

If you have cash saved up, it needs to be deposited into a bank account well in advance so it can season before you apply.

Have questions about sourcing your down payment funds? Leave a comment below!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/26/2026

VA Tip Tuesday

If you have a service-connected disability rating of 10% or higher, you qualify for a massive VA loan benefit.

Your VA funding fee—which is normally rolled into the loan amount—is completely waived.

That single exemption can save you thousands of dollars upfront and keep your total loan amount lower from day one.

Are you a veteran looking to buy in Texas? Let me know what questions you have in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/24/2026

Don't let a soft or hard credit pull keep you from starting your homebuying journey.

A lot of buyers worry that checking their credit will trash their score, but a mortgage credit check is a necessary step to see where you stand and unlock your options.

When shopping for a mortgage, multiple inquiries within a standard window count as a single pull for scoring purposes—so you can shop your options with confidence.

Have questions about how your credit score impacts your rate? Drop them in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS # 2728726
Alliance Mortgage Group
Company NMLS # 292257
📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

08/21/2026

🏡 Home Buying Friday

Choosing a lender is about more than comparing interest rates.

Ask questions. Compare communication, loan options, and service so you can find the right fit for your homebuying journey.

What's the most important quality you look for in a lender?



Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257

📞 (469) 877-5422
📧 [email protected]
🌐 https://alliancemtggroup.net/about-us/robert-rippy-hermonat

Address

2770 Main Street Suite 221
Frisco, TX
75033

Telephone

+14698775422

Website

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